论国有商业银行面临的挑战和机遇

外资金融机构全面进入中国市场后，我国国有商业银行有可能面临巨大的流动性风险。因此，为防范潜在的金融风险，宜注重几个关键步骤：非国有资本是资本金补充的潜在来源，关键在于政策能否放开；改制上市是银行业的必由之路，但首先要将不良资产控制在一定范围之内；改变传统的金融业务体系，努力开拓盈利空间；为适应金融企业混业经营的需求，发展金融控股公司。

On the Challenge and Opportunity Facing the Government-owned Commercial Bank

Since the financial agencies of the foreign capital squeezed into Chinese markets,commercial banks controlled by our government are facing a substancial active risk.Therefore,in order to take a lookout for the potential risk of finance,some key steps should be paid attention to:Non-governement-owned capital is a potential supplement of capital in cash,but how to use it depends on our policy.Introduction by changing systems is the only way to follow for the line of bank,but bad capital should be controlled in a certain limits.The traditional financial systems should be changed and profit should be explored.The controlling companies of finance should be developed in order to meet the needs of the mixed-business of finance.